When documents are needed to finalize your loan, our document upload system is safe, secure and easy to use.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Your first step in purchasing a home is getting pre-qualified. A pre-approval gives you the confidence...
learn more
After your pre-approval, you can then inform your realtor of your price point. You will then enjoy searching...
learn more
Here at K&G Capital Mortgage we want buying a home to be easy. Our goal is to help you get the keys...
learn more
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.
Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.
When documents are needed to finalize your loan, our document upload system is safe, secure and easy to use.
Our Pre-Qualification process is quick. To get pre-approved, fill out our loan application form. This process take about 5 minutes!
We know that people's time is valuable. We want to honor that time and help meet any deadlines you have.
Buying a home doesn't have to be stressful. Here at K&G Capital Mortgage we tailor your loan to fit your needs. We treat our customers like family.
Charles was amazing to work with! This was one of the easiest buying experiences I’ve ever had.
Accountant
Look no further! Jay Abeya was so wonderful to work with. My hubby and I are first time buyers and had no idea what to expect.
Marketing Manager
Jay was amazing and supportive throughout the entire loan application, approval, and closing process. He was highly responsive to all of our questions with replies usually in just minutes.
Consultant
Jay was wonderful to work with! He was always easy to get a hold of and did a great job keeping us updated. He also got us a rate we were really happy with.
Security Head
Run the numbers or find your loan program in under a minute — no application required.
Estimate your monthly payment in seconds.
Answer one question and we will point you in the right direction.
It depends on the loan program. FHA loans can start as low as 3.5% down, VA and USDA loans offer 0% down for eligible buyers, and conventional loans can start around 3-5%. We will help you find the option that fits your budget.
Most closings take 30-45 days from application to close, though we can move faster for well-qualified buyers. We offer same-day pre-approvals to help you move quickly once you find the right home.
Yes. Student loans are factored into your debt-to-income ratio, but they do not disqualify you from buying a home. Many of our clients successfully purchase homes while still paying off student debt.
In most cases, yes. Gift funds from family members are commonly allowed for down payments and closing costs, depending on the loan program. We will walk you through the documentation needed.
No. We offer programs for a wide range of credit profiles, including FHA loans with more flexible credit guidelines and non-QM options for unique financial situations. Reach out and we will find the right fit.
Yes, this is common. Depending on your equity and financial picture, options like bridge financing, a HELOC, or simply qualifying with both payments temporarily may work. Talk to us early so we can map out the right approach for your timeline.
